Provident fund certification refers to provident fund real-name certification.

The Employee Housing Provident Fund is a free and compulsory individual long-term housing deposit fund.

1. The house in the house recognition and loan subscription refers to the housing in the name of the provident fund loan applicant in Beijing; 2. The loan in the house recognition and loan subscription refers to all the housing loan records of the provident fund loan applicant in the national credit system; 3

. If the provident fund loan applicant does not have a house in his name and does not have a mortgage record, then according to the first mortgage loan application, according to the new provident fund housing loan policy and loan certification for the second home, apply according to the second home mortgage loan policy.

The procedures for applying for a provident fund loan are as follows: First, go to the local housing provident fund management center to apply for a loan.

The borrower brings the contract or agreement for the purchase and construction of a house (a copy of the house purchaser's license; those who build or repair a house must present the approval document of the government land planning management department), ID card, housing provident fund savings card, and seal to various cities and counties.

To apply for a housing provident fund loan at the provident fund management center, if you use a housing provident fund loan for both spouses, you must also bring your marriage certificate or other proof of the relationship between the couple and fill out the "Personal Housing Provident Fund Loan Application".

The lending bank assesses whether the borrower meets the loan conditions based on the borrower's application, calculates the loan amount, and determines the loan term.

Second, sign a loan contract.

After the local provident fund management center (or entrusted bank) examines and approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (a mortgage contract is signed for real estate mortgages, and a personal guarantee requires a double personal guarantee from the provident fund).

Third, those who apply for a housing mortgage must apply for real estate mortgage notarization.

At that time, you need to bring five copies of the real estate certificate (and land certificate), ID card, marriage certificate, household register and copies to go through the procedures related to notarization and other property rights certificates.

Fourth, after the borrower completes the mortgage procedures with real estate mortgage, he must submit the loan information to the provident fund management center together with the loan contract, mortgage contract (pledge contract), other property rights certificates or mortgage certificates, etc.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis: Article 5 of the "Housing Provident Fund Management Regulations" stipulates that housing provident funds should be used for the purchase, construction, renovation, and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 6 stipulates that the deposit and loan interest rates for housing provident funds shall be proposed by the People's Bank of China and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council.